CN108985768B

CN108985768B - Data transfer system, method and device

Info

Publication number: CN108985768B
Application number: CN201810558213.4A
Authority: CN
Inventors: 张明远
Original assignee: Tencent Technology Shenzhen Co Ltd
Current assignee: Tencent Technology Shenzhen Co Ltd
Priority date: 2018-06-01
Filing date: 2018-06-01
Publication date: 2020-06-16
Anticipated expiration: 2038-06-01
Also published as: CN108985768A

Abstract

The invention relates to the technical field of computers, in particular to a data transfer system, a method and a device.A user terminal receives fingerprint information input by a user aiming at an application account, binds the application account and the fingerprint information, and sends the bound application account and the fingerprint information to a server for storage; when the payment terminal determines to perform data transfer operation, receiving fingerprint information input by a user, and sending the fingerprint information and the data transfer information to a server; wherein the data transfer information at least comprises a data transfer amount; the server receives fingerprint information and data transfer information sent by the payment terminal, if the fingerprint information is determined to be matched with the application account, the data transfer amount is transferred to the payment terminal through the matched application account, so that the fingerprint information is bound to different application accounts through the user terminal, the user operation is convenient, and then when the data are transferred, the user terminal does not need to participate, the fingerprint information only needs to be input on the payment terminal, and the convenience and the efficiency are improved.

Description

Data transfer system, method and device

Technical Field

The present invention relates to the field of computer technologies, and in particular, to a data transfer system, method, and apparatus.

Background

At present, mobile payment is more and more deeply taken into the life of people, the use of users is very common, the users can pay without carrying cash, the life of the users is greatly facilitated, the use of paper cash is reduced, resources are saved, and the payment method in the prior art is mainly used for paying by a bank card for the users, or the users scan two-dimensional codes or provide payment two-dimensional codes for merchants by using payment application installed in a mobile phone to pay.

However, in the payment method in the prior art, a bank card or a mobile phone is required to participate in the payment process, and under certain conditions, for example, a user forgets to carry the mobile phone or the bank card, the mobile phone does not have electricity, and the like, the user cannot pay, which is very inconvenient, reduces the user experience, also reduces the convenience of mobile payment, and also reduces the payment efficiency because the user needs to operate the mobile phone or the bank card.

Disclosure of Invention

Embodiments of the present invention provide a data transfer system, method, and device, so as to solve the problem that in the prior art, a mobile phone or a bank card is required to participate in a payment process, which reduces convenience of mobile payment and payment efficiency.

The embodiment of the invention provides the following specific technical scheme:

an embodiment of the present invention provides a data transfer system, including: a user terminal, a payment terminal, a server, wherein,

the user terminal is used for receiving fingerprint information input by a user aiming at an application account, binding the application account with the fingerprint information, and sending the bound application account and the fingerprint information to a server for storage;

the payment terminal is used for receiving fingerprint information input by a user when data transfer operation is determined, and sending the fingerprint information and the data transfer information to the server; wherein the data transfer information includes at least a data transfer amount;

the server is used for receiving the fingerprint information and the data transfer information sent by the payment terminal, and transferring the data transfer amount to the payment terminal through the matched application account if the fingerprint information is matched with the application account.

In connection with one embodiment of the invention, the data transfer includes, but is not limited to, payment; the data transfer amount is a payment amount; before transferring the data transfer amount to the payment terminal through the matched application account, the server is further configured to:

after the fingerprint information is matched with the application account, judging whether the payment amount is not larger than a first preset amount or not;

if the payment amount is not larger than the first preset amount, further determining the payment times of the application account in a set time period, and if the payment times is not larger than the preset times, directly executing the step of paying the payment amount to the payment terminal through the matched application account;

and if the payment amount is determined to be larger than the first preset amount, sending an identity authentication passing message to the payment terminal, so that the payment terminal prompts a user to input a payment password when receiving the identity authentication passing message.

In connection with one embodiment of the invention, the data transfer includes, but is not limited to, payment; the server is further configured to:

after the fingerprint information is matched with the application account number, directly sending an identity authentication passing message to the payment terminal, so that the payment terminal prompts a user to input a payment password when receiving the identity authentication passing message.

In combination with an embodiment of the invention, the payment terminal is further configured to:

if the identity authentication passing message sent by the server is received, prompting the user to input a payment password, receiving the payment password input by the user, and sending the payment password to the server;

the server is further configured to: and receiving a payment password sent by the payment terminal, judging whether the payment password is the same as the payment password bound by the application account, and if the payment password is the same as the payment password bound by the application account, executing the step of paying the payment amount to the payment terminal through the matched application account.

With reference to an embodiment of the present invention, the payment amount is paid to the payment terminal through the matched application account, and the server is specifically configured to:

determining a first payment account corresponding to the application account and a second payment account corresponding to the payment terminal;

transferring the payment amount into the second payment account through the first payment account; or transferring the payment amount to a preset third party account through the first payment account, and transferring the payment amount from the third party account to the second payment account when the payment amount meets the preset condition.

In connection with an embodiment of the invention, the server is further configured to:

if the fingerprint information is determined not to be matched with an application account, or the payment password bound with the application account is determined to be different, a payment failure message is respectively sent to the payment terminal and the user terminal; or the like, or, alternatively,

and if the payment is determined to be completed, sending payment completion messages to the payment terminal and the user terminal respectively.

and if the payment completion message in the user terminal is determined not to be read, limiting the payment of the application account according to a preset payment limiting condition aiming at the next payment of the application account.

Another embodiment of the present invention provides a data transfer method, including:

the method comprises the steps that when a payment terminal determines to carry out data transfer operation, fingerprint information input by a user is received;

sending the fingerprint information and the data transfer information to a server, so that if the server determines that the fingerprint information is matched with an application account, the server transfers data transfer amount to the payment terminal through the matched application account; the data transfer information at least comprises data transfer amount, bound fingerprint information and an application account are stored in the server, and the bound fingerprint information and the application account are sent to the server after the application account and the fingerprint information are bound when a user terminal receives the fingerprint information input by a user aiming at the application account.

In connection with another embodiment of the present invention, the data transfer includes, but is not limited to, payment; the data transfer amount is a payment amount; further comprising:

if the identity authentication passing message sent by the server is received, prompting the user to input a payment password; the identity authentication passing message is sent by the server after the fingerprint information is determined to be matched with the application account;

and receiving a payment password input by a user, sending the payment password to the server so as to enable the server to judge whether the payment password is the same as the payment password bound by the application account, and if the payment password is the same as the payment password bound by the application account, executing a step of paying the payment amount to the payment terminal through the matched application account.

the server receives fingerprint information and data transfer information sent by the payment terminal; the data transfer information at least comprises data transfer amount, and the fingerprint information is input by a user when the payment terminal determines to perform data transfer operation;

if the fingerprint information is matched with the application account, transferring the data transfer amount to the payment terminal through the matched application account; the server stores bound fingerprint information and an application account, and the bound fingerprint information and the application account are sent to the server after the application account and the fingerprint information are bound when a user terminal receives the fingerprint information input by a user aiming at the application account.

In connection with another embodiment of the present invention, the data transfer includes, but is not limited to, payment; the data transfer amount is a payment amount; before transferring the data transfer amount to the payment terminal through the matched application account, the method further includes:

In connection with another embodiment of the present invention, the data transfer includes, but is not limited to, payment; further comprising:

In combination with another embodiment of the present invention, further comprising:

and receiving a payment password sent by the payment terminal, judging whether the payment password is the same as the payment password bound by the application account, and if the payment password is the same as the payment password bound by the application account, executing the step of paying the payment amount to the payment terminal through the matched application account.

In combination with another embodiment of the present invention, the paying the payment amount to the payment terminal through the matched application account specifically includes:

Another embodiment of the present invention provides a data transfer apparatus, including:

the first receiving module is used for receiving fingerprint information input by a user when the data transfer operation is determined;

the first sending module is used for sending the fingerprint information and the data transfer information to a server so that the server transfers data transfer amount to the payment terminal through the matched application account if the server determines that the fingerprint information is matched with the application account; the data transfer information at least comprises the data transfer amount, bound fingerprint information and an application account are stored in the server, and the bound fingerprint information and the application account are sent to the server after being bound when a user terminal receives fingerprint information input by a user aiming at the application account.

the prompting module is used for prompting the user to input a payment password if the identity authentication passing message sent by the server is received; the identity authentication passing message is sent by the server after the fingerprint information is determined to be matched with the application account;

the second receiving module is used for receiving the payment password input by the user;

and the second sending module is used for sending the payment password to the server so that the server judges whether the payment password is the same as the payment password bound by the application account, and if the payment password is the same as the payment password bound by the application account, the step of paying the payment amount to the payment terminal through the matched application account is executed.

the receiving module is used for receiving the fingerprint information and the data transfer information sent by the payment terminal; the data transfer information at least comprises data transfer amount, and the fingerprint information is input by a user when the payment terminal determines to perform data transfer operation;

the payment module is used for transferring the data transfer amount to the payment terminal through the matched application account if the fingerprint information is matched with the application account; the server stores bound fingerprint information and an application account, and the bound fingerprint information and the application account are sent to the server after the application account and the fingerprint information are bound when a user terminal receives the fingerprint information input by a user aiming at the application account.

In connection with another embodiment of the present invention, the data transfer includes, but is not limited to, payment; the data transfer amount is a payment amount;

before transferring the data transfer amount to the payment terminal through the matched application account, the method further includes, by the processing module, that:

the first sending module is used for directly sending an identity authentication passing message to the payment terminal after the fingerprint information is determined to be matched with the application account, so that the payment terminal prompts a user to input a payment password when receiving the identity authentication passing message.

and the password verification module is used for receiving the payment password sent by the payment terminal, judging whether the payment password is the same as the payment password bound by the application account, and if the payment password is the same as the payment password bound by the application account, executing the step of paying the payment amount to the payment terminal through the matched application account.

In combination with another embodiment of the present invention, the payment amount is paid to the payment terminal through the matched application account, and the payment module is specifically configured to:

In combination with another embodiment of the present invention, the method further includes a sending module, configured to:

and the payment limiting module is used for limiting the payment of the application account according to a preset payment limiting condition aiming at the next payment of the application account if the payment completion message in the user terminal is determined not to be read.

Another embodiment of the present invention provides a computer-readable storage medium having stored thereon a computer program which, when executed by a processor, performs the steps of any of the data transfer methods described above.

In the embodiment of the invention, the user terminal is used for receiving fingerprint information input by a user aiming at an application account, binding the application account with the fingerprint information, and sending the bound application account and the fingerprint information to a server for storage; the payment terminal is used for receiving fingerprint information input by a user when data transfer operation is determined, and sending the fingerprint information and the data transfer information to the server; wherein the data transfer information includes at least a data transfer amount; the server is used for receiving the fingerprint information sent by the payment terminal and the data transfer information, and transferring the data transfer amount to the payment terminal through the matched application account if the fingerprint information is determined to be matched with the application account, so that a user can bind the fingerprint information to different application accounts through the user terminal, the user operation is convenient and simple and easy to realize, the data transfer can be payment when the data transfer is needed, the fingerprint information only needs to be input on the payment terminal of a merchant, the server carries out identity authentication according to the fingerprint information and matches the corresponding application account to complete the payment, the payment process does not need the participation of the user terminal, the payment process of the payment amount is completed at the server end, the payment process is safe, and the payment can be conveniently completed even if the user does not carry a bank card or a mobile phone, the method greatly facilitates the life of the user, meets the user requirements and improves the payment efficiency.

Drawings

FIG. 1 is a diagram illustrating a data transfer system according to an embodiment of the present invention;

FIG. 2 is a flowchart illustrating a method for binding fingerprint information by a user terminal according to an embodiment of the present invention;

FIG. 3 is a flow chart of a data transfer method provided in an embodiment of the present invention;

FIG. 4 is a flow chart of another data transfer method provided in an embodiment of the present invention;

FIG. 5 is a schematic diagram illustrating a data transfer method according to an embodiment of the present invention;

fig. 6 is a schematic structural diagram of a data transfer device according to an embodiment of the present invention;

FIG. 7 is a schematic structural diagram of another data transfer device provided in the embodiment of the present invention;

FIG. 8 is a diagram illustrating a server architecture according to an embodiment of the present invention;

fig. 9 is a schematic diagram of a terminal structure in an embodiment of the present invention.

Detailed Description

The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.

To facilitate an understanding of the embodiments of the present invention, a few concepts are briefly introduced below:

mobile payment: the mobile payment is also called as mobile phone payment, and refers to a commercial transaction implemented by two transaction parties through a mobile communication network by using mobile terminal equipment as a carrier for certain goods or services, wherein the mobile terminal used for the mobile payment may be a mobile phone, a Personal Digital Assistant (PDA), a Personal Computer (PC), or the like.

The application account number is as follows: the method includes the steps of registering accounts, such as WeChat accounts and the like, in application software installed on a user terminal for a user.

Payment account: the account bound with the application account number and used for payment can be, for example, an account of a bound bank card, a slightly-trusted change account, and the like.

The payment terminal: the device for collecting money for the merchant is, for example, a Point of sale (POS) machine or the like.

Data transfer: for any data that can be subjected to the mobile transfer operation, the data transfer in the embodiment of the present invention includes, but is not limited to, payment, i.e., a process of performing mobile payment on a payment amount may be regarded as a process of data transfer.

Fig. 1 is a schematic structural diagram of a data transfer system according to an embodiment of the present invention, including a payment terminal, a user terminal, and a server.

The user terminal represents a terminal device which can be directly used by a user person and can be any intelligent device such as a smart phone, a tablet computer, a portable personal computer and the like. Various Application (APP) software, such as WeChat software, Payment software, etc., may be installed on the user terminal, and the software may provide a payment server.

The payment terminal represents equipment for collecting money by a merchant, and in the embodiment of the invention, the payment terminal has the functions of fingerprint identification and password input, namely, a user can input fingerprint information or payment passwords and the like on the payment terminal, and the payment terminal can be connected with a computer of the merchant to jointly realize a payment process.

The payment terminal is connected with the server and the user terminal is connected with the server through the internet, so that mutual communication is realized.

The server provides various network services for the payment terminal or the user terminal, and for application software on different user terminals, the server may be considered as a background server providing corresponding network services, for example, in an embodiment of the present invention, the server may be a WeChat server or a Paibao server, wherein in the embodiment of the present invention, mainly a payment function is targeted, and therefore, the server may also be considered as a corresponding payment platform.

The server may be one server, a server cluster formed by a plurality of servers, or a cloud computing center.

In order to solve the problems that a mobile phone or a bank card is required to participate in a payment process, the requirements of a user cannot be met, and the user cannot use the mobile phone or the bank card conveniently in the prior art, the embodiment of the invention provides a data transfer system, wherein a user terminal is used for receiving fingerprint information input by the user aiming at an application account, binding the application account with the fingerprint information, and sending the bound application account and the bound fingerprint information to a server for storage; the payment terminal is used for receiving fingerprint information input by a user and sending the fingerprint information and the data transfer information to the server when the data transfer operation is determined; wherein the data transfer information at least comprises a data transfer amount; and the server is used for receiving the fingerprint information and the data transfer information sent by the payment terminal, and transferring the data transfer amount to the payment terminal through the matched application account if the fingerprint information is matched with the application account.

Like this, the user binds fingerprint information for different application account numbers through user terminal in advance, the user can directly operate on individual user terminal, and convenient operation is simple, and then when the user needs data transfer, only need to input fingerprint information on the payment terminal of trade company, the server carries out authentication according to fingerprint information, match corresponding application account number, and then accomplish data transfer, data transfer process only needs the payment terminal including trade company, accomplish all data transfer processes at the server end, and safer, and do not need the user to use bank card or cell-phone to carry out data transfer transaction, avoided the user to forget to carry bank card or cell-phone, or the cell-phone network is not good, the condition that can't carry out data transfer that does not have electricity etc. to lead to, greatly made things convenient for user's life, user demand has been satisfied, efficiency has also been improved.

Wherein the data transfer includes, but is not limited to, payment; the data transfer amount is the payment amount;

the following description will take data transfer as an example of payment.

Further, in order to improve the security and convenience of payment, the embodiment of the invention also provides several possible implementation modes:

the first mode is as follows: before transferring the data transfer amount to the payment terminal through the matched application account, the server is further configured to: after the fingerprint information is matched with the application account number, judging whether the payment amount is not larger than a first preset amount or not; if the payment amount is not larger than the first preset amount, further determining the payment times of the application account in a set time period, and if the payment times is not larger than the preset times, directly executing the step of paying the payment amount to the payment terminal through the matched application account; and if the payment amount is larger than the first preset amount, sending an identity authentication passing message to the payment terminal, so that the payment terminal prompts a user to input a payment password when receiving the identity authentication passing message.

That is to say, when the server determines that the application account is matched, that is, the identity authentication of the fingerprint information is passed, the payment security processing can be performed according to the size of the payment amount, when the payment amount is smaller, the payment can be limited, the input of a payment password is avoided, the payment is more convenient, the operation of a user is reduced, when the payment amount is larger, in order to ensure the security, the user needs to be prompted to input the payment password, and whether the payment operation is the real operation of the user himself or herself is further verified.

The second mode is as follows: the server is further configured to: after the fingerprint information is matched with the application account number, the identity authentication passing message is directly sent to the payment terminal, so that the payment terminal prompts a user to input a payment password when receiving the identity authentication passing message.

In other words, in the embodiment of the invention, the user can be prompted to input the payment password as long as the identity authentication is passed without paying the amount of money, so that even if the fingerprint information of the user is leaked or other people maliciously imitate the fingerprint model of the user, the payment transaction cannot be completed without knowing the payment password, and the payment safety of the user is improved.

The third mode is as follows: the server is specifically used for determining a first payment account corresponding to the application account and a second payment account corresponding to the payment terminal; transferring the payment amount to a second payment account through the first payment account; or transferring the payment amount to a preset third party account through the first payment account, and transferring the payment amount from the third party account to the second payment account when the preset condition is determined to be met.

In the embodiment of the invention, the server can directly transfer the payment amount to the account of the payment terminal, or transfer the payment amount to the account of the third party firstly and then transfer the payment amount to the account number of the payment terminal, so that if the payment of the user is wrong, or the fingerprint information and the payment password are utilized by other people and the like, the payment amount is required to be retrieved, the complaint and the retrieval of the user are facilitated, and the payment safety of the user is further improved.

The fourth mode is that: the server may notify the payment terminal and the user terminal of the payment result, so that the user can know the payment transaction information conveniently, and specifically, the server is further configured to: if the fingerprint information is determined not to be matched with the application account, or the payment password is determined to be different from the payment password bound by the application account, sending a payment failure message to the payment terminal and the user terminal respectively; or if the payment is determined to be completed, sending payment completion messages to the payment terminal and the user terminal respectively.

The fifth mode is as follows: after the user terminal receives the payment completion message, the server may further obtain the information reading confirmation state to improve the payment security and determine whether the user himself knows the payment transaction, specifically, a possible implementation manner is provided in the embodiment of the present invention, and the server is further configured to: and if the payment completion message in the user terminal is determined not to be read, limiting the payment of the application account according to a preset payment limiting condition aiming at the next payment of the application account.

Therefore, for example, after the mobile phone of the user receives the payment completion message, the message is not read all the time, and a risk of payment by other people may exist, at this time, next payment of the application account may be limited, for example, fingerprint payment is stopped, that is, when the application account is matched with the fingerprint information next time, the following payment operation is not allowed, or limitation conditions such as quota payment may also be set.

Certainly, in the embodiment of the present invention, other manners may also be adopted to improve the security of user payment, for example, a daily quota processing may also be performed on a larger payment amount, and only a few possible examples are given here, in the embodiment of the present invention, mainly the user binds fingerprint information to an application account through a user terminal, and identifies the application account through the fingerprint information, that is, performs identity authentication and identification, and matches the application account with the application account of the user, and the embodiment of the present invention is not limited to using the fingerprint information, and may also perform identity identification and application account matching in other manners, for example, matching human body vital signs such as irises, or other hardware devices, and the embodiment of the present invention is not limited.

Optionally, the internet described above uses standard communication techniques and/or protocols. The internet is typically the internet, but can be any Network including, but not limited to, a Local Area Network (LAN), a Metropolitan Area Network (MAN), a Wide Area Network (WAN), a mobile, wireline or wireless Network, a private Network, or any combination of virtual private networks. In some embodiments, data exchanged over the network is represented using techniques and/or formats including HyperTextMark-up Language (HTML), Extensible Markup Language (XML), and the like. All or some of the links may also be encrypted using conventional encryption techniques such as Secure Socket Layer (SSL), Transport Layer Security (TLS), Virtual Private Network (VPN), Internet Protocol Security (IPsec). In other embodiments, custom and/or dedicated data communication techniques may also be used in place of, or in addition to, the data communication techniques described above.

It should be noted that the system architecture diagram in the embodiment of the present invention is used to more clearly illustrate the technical solution in the embodiment of the present invention, and does not limit the technical solution provided in the embodiment of the present invention, and is not limited to payment services, and for other system architectures and service applications, the technical solution provided in the embodiment of the present invention is also applicable to similar problems.

It should be noted that, in the embodiments of the present invention, the data transfer method is schematically illustrated as being used in the data transfer system shown in fig. 1, and for clarity and convenience of description, the following embodiments all illustrate data transfer as being used as a payment example.

Based on the foregoing embodiments, the data transfer method in the embodiments of the present invention can be described by being divided into the following two parts:

1) a first part: the user binds fingerprint information aiming at different application accounts in advance through the user terminal and uploads the fingerprint information to the server for storage. Fig. 2 is a flowchart illustrating a method for binding fingerprint information by a user terminal according to an embodiment of the present invention.

Step 200: and installing application software in the user terminal, and registering an application account in the application software.

For example, a user downloads application software from a server through a user terminal, and registers an account in the application software after the downloading is completed.

The application software, such as WeChat, may provide a payment function, which is not limited in the embodiment of the present invention.

Step 201: and receiving bank card information bound by the user aiming at the application account.

Therefore, when the user uses the account number for payment, mobile payment can be carried out through the bank card.

Step 202: and receiving fingerprint information input by a user aiming at the application account, and binding the application account and the fingerprint information.

That is to say, the application software of the user terminal in the embodiment of the present invention may provide an interface for a user to input fingerprint information, for example, a fingerprint input control may be set in the application software, and the user may click the fingerprint input control to enter the fingerprint input interface, so that the user may input the fingerprint information and further bind with the application account of the application software.

The fingerprint information of one or more users can be bound for one application account, different application accounts can also be bound with different fingerprint information, and the fingerprint information is used for identity recognition of the users and can be recognized to the application accounts through the fingerprint information.

Step 203: and sending the bound application account and fingerprint information to a server for storage.

Specifically, the user terminal can upload the application account and the bound fingerprint information to a cloud server for storage through a wireless network after encoding and encrypting the application account and the bound fingerprint information.

In addition, the user terminal can also upload the bank card bound by the application account and other related information, such as bound mobile phone number, name and the like, to the server for storage.

Therefore, in the embodiment of the invention, the input and binding of the fingerprint information are realized through the user terminal, the user operation is convenient, for example, the user can directly bind the fingerprint information on the own mobile phone, the implementation is simple and convenient, the fingerprint information and the application account number are bound, different application account numbers can be identified through the fingerprint information, and the identity authentication of the user can be carried out in the payment process.

2) The second part is a process of payment by a user through a payment terminal without participation of the user terminal, and reference is made to fig. 3, which is a flowchart of a data transfer method in the embodiment of the present invention.

Step 300: and when the payment terminal determines to carry out payment operation, receiving fingerprint information input by a user.

The payment terminal can be connected with a computer to complete payment operation, has the functions of providing fingerprint information and payment passwords input by a user, for example, a fingerprint input panel and a keyboard for inputting the payment passwords are arranged, and meanwhile, the payment terminal also has a corresponding payment account which is stored in a cloud server, wherein the payment account corresponding to the payment terminal can be used for receiving money.

Further, when the payment operation is determined, the merchant can select different application software payment modes in the payment interface of the computer according to the user requirement or the payment function supported by the merchant, for example, select the WeChat payment, and then the user inputs the fingerprint information pre-bound by the WeChat account.

Step 301: and the payment terminal sends the fingerprint information and the payment information to the server.

The payment information at least includes the payment amount, and of course, may also include other payment-related information, such as time, payee, that is, a payment terminal identifier, and the like, which is not limited in the embodiment of the present invention.

For example, if the selected payment is the wechat payment, the payment terminal sends the received fingerprint information and payment information to a wechat server, that is, a wechat payment platform, to perform matching of the application account.

Step 302: and the server receives the fingerprint information and the payment information sent by the payment terminal.

Step 303: and the server matches the fingerprint information and judges whether the corresponding application account is matched.

The server stores the bound fingerprint information and the application account, and the bound fingerprint information and the application account are sent to the server after the application account and the fingerprint information are bound when the user terminal receives the fingerprint information input by the user aiming at the application account.

Therefore, the server judges whether the fingerprint information can be matched with the application account according to the binding relationship between the pre-stored fingerprint information and the application account.

Step 304: and if the server determines that the fingerprint information is not matched with the application account, the server respectively sends a payment failure message to the payment terminal and the user terminal.

That is, the server may notify the payment terminal and the user terminal of the payment-related message, respectively, so that the user obtains the payment result.

Step 305: and the payment terminal receives the payment failure message sent by the server.

Further, in order to ensure payment accuracy and reliability, the embodiment of the invention also provides a possible implementation mode, after receiving the payment failure message sent by the server, the payment terminal prompts the user to re-input the fingerprint information, and when determining that the times of inputting the fingerprint information by the user reaches the set times, prompts the payment failure message.

Step 306: and the user terminal receives the payment failure message sent by the server.

Step 307: and if the server determines that the fingerprint information is matched with the application account, the server pays the payment amount to the payment terminal through the matched application account.

When step 307 is executed, the method specifically includes:

first, it is determined that fingerprint information matches an application account.

The server finds the application account corresponding to the fingerprint information through matching, and at this time, the application account corresponding to the fingerprint information can be determined, and the fingerprint information pre-bound by the application account is matched, that is, the identity authentication of the user is considered to be passed.

And then, paying the payment amount to the payment terminal through the matched application account.

Two ways may be included:

the first mode is as follows: determining a first payment account corresponding to the application account and a second payment account corresponding to the payment terminal; the payment amount is transferred to the second payment account via the first payment account.

The first payment account of the application account number may be an account number of a bound bank card, or a payment account of the application software itself, such as a slightly trusted change.

That is, at this time, the second payment account of the payment terminal is the payee, the first payment account of the application account is the payer, the server directly receives the payment amount into the second payment account, and the second payment account can receive the payment amount.

The second mode is as follows: determining a first payment account corresponding to the application account and a second payment account corresponding to the payment terminal; and transferring the payment amount to a preset third party account through the first payment account, and transferring the payment amount from the third party account to the second payment account when the preset condition is determined to be met.

In the second mode, the payment amount is not directly transferred to the second payment account, but is transferred to the second payment account through a third-party account number serving as an intermediary after a certain condition is met, so that the payment safety of the user can be further improved, and the fund safety of the user is ensured.

The preset condition may be that a preset time is exceeded, and the embodiment of the present invention is not limited.

Step 308: and if the server determines that the payment is finished, the server respectively sends payment finishing messages to the payment terminal and the user terminal.

Therefore, after the payment is completed, the server at the cloud end can simultaneously broadcast the payment completion message to the payment terminal and the user terminal, the payment safety is guaranteed, and the user and the merchant can conveniently know the payment result.

Further, when receiving the payment completion message, the payment terminal may also report the payment completion message in real time by voice, where the payment completion message may include a payment success message and a payment amount. Therefore, if the user does not carry the user terminal with him, the payment completion message can be obtained through the voice broadcast of the payment terminal, and the payment safety is improved.

Step 309: and the payment terminal receives the payment completion message sent by the server.

Step 310: and the user terminal receives the payment completion message sent by the server.

Step 311: and if the server determines that the payment completion message in the user terminal is not read, limiting the payment of the application account according to a preset payment limiting condition aiming at the next payment of the application account.

The preset payment limiting condition may be to limit the size of the payment amount of the next payment, or stop using fingerprint matching and payment, and the like.

Therefore, the server can determine whether to limit the next payment of the application account of the user according to whether the user reads and confirms the payment completion message, namely, whether the user knows the payment transaction or not can be determined according to whether the user reads and determines that the user does not read, the next payment transaction is limited, and the payment safety of the user is improved.

In the embodiment of the present invention, the execution sequence of the above steps is not limited, and this is only a possible implementation manner, when performing payment, the payment terminal receives fingerprint information input by a user when determining to perform payment operation, and sends the fingerprint information and the payment information to the server, and then the server, if determining that the fingerprint information matches an application account, pays the payment amount to the payment terminal through the matched application account, and the payment process does not require participation of the user terminal, and in the above embodiment, the server sends a payment failure message or a payment completion message to the user terminal, which is only an auxiliary measure for improving the security of payment, the user only needs to input the fingerprint information on the payment terminal of the merchant, the payment operation is completed at the server, and the server identifies the corresponding application account according to the fingerprint information, therefore, payment is completed, payment is safe, convenience of user payment is greatly improved, life of a user is facilitated, the user can easily shop to complete payment even if the user does not carry a bank card and a mobile phone, and payment efficiency is also improved.

Based on the foregoing embodiment, referring to fig. 4, a flowchart of another data transfer method provided in the embodiment of the present invention is shown, in order to improve payment security, after matching fingerprint information, a user is required to input a payment password on a payment terminal, and specifically, the method includes:

step 400: and when the payment terminal determines to carry out payment operation, receiving fingerprint information input by a user.

Step 401: and the payment terminal sends the fingerprint information and the payment information to the server.

Step 402: and the server receives the fingerprint information and the payment information sent by the payment terminal.

Wherein the payment information includes at least a payment amount.

Step 403: and the server matches the fingerprint information and judges whether the corresponding application account is matched.

Step 404: and if the server determines that the fingerprint information is matched with the application account, judging whether the payment amount is not greater than a first preset amount.

The first preset amount may be set according to an actual situation, for example, an amount preset by a user, or according to a credit of the user, and the first preset amount is not limited in the embodiment of the present invention, and is set to be, for example, 1000 yuan.

Step 405: and if the server determines that the payment amount is not greater than the first preset amount, the server further determines the payment times of the application account in a set time period, and if the payment times is not greater than the preset times, the server directly executes the matched application account to pay the payment amount to the payment terminal.

That is to say, when the payment amount is not greater than the first preset amount and is considered to be a small payment amount, the secret payment can be carried out, the user does not need to input a payment password, and the payment times in the preset time period are limited, such as the daily times, so that the payment convenience can be further improved, and the payment time can be saved.

For example, when a user takes a bus, the cost of taking the bus each time is low, usually a few money is spent, at this time, when the user takes the bus, the user only needs to press a fingerprint to match the identity, namely the corresponding application account number and then automatically deduct money, for example, the user is a WeChat account number, money deduction is directly carried out through the WeChat account number of the user, a payment password does not need to be input, small amount of money is paid without limit payment on the day, and convenience is greatly improved.

Step 406: and if the server determines that the payment amount is larger than the first preset amount, the server sends an identity authentication passing message to the payment terminal.

In other words, for some large payment, the user is required to input the payment password again to improve the security of the payment.

Step 407: and if the payment terminal receives the identity authentication passing message sent by the server, prompting the user to input a payment password.

Step 408: and the payment terminal receives the payment password input by the user and sends the payment password to the server.

Step 409: and the server receives the payment password sent by the payment terminal, judges whether the payment password is the same as the payment password bound by the application account, and if the payment password is the same as the payment password bound by the application account, executes payment of the payment amount to the payment terminal through the matched application account.

Further, in order to avoid the situation that the user may input the payment password by mistake or forget the payment password, the number of times of inputting the payment password may be set, when the server determines that the payment password is wrong, the server may prompt the user to input the payment password again through the payment terminal, and if the determination exceeds a certain number of times, the payment failure is determined.

It should be noted that the execution steps and sequence in the above embodiment are only one possible illustration, and only a part of the steps may be executed according to different execution conditions, for example, the steps 400 to 405 may constitute a complete scheme, and the steps 400 to 404, and the steps 406 to 409 may constitute a complete scheme.

Moreover, it should be noted that, in the embodiment corresponding to fig. 3, the steps of the server returning the payment result and other auxiliary measures for further improving the security of the payment to the payment terminal and the user terminal are also applicable and the same in the embodiment corresponding to fig. 4, and therefore, not shown in fig. 4 here, for example, if it is determined that the fingerprint information is not matched to the application account, or it is determined that the payment password is different from the payment password bound to the application account, the server sends a payment failure message to the payment terminal and the user terminal, respectively; or if the payment is determined to be completed, sending payment completion messages to the payment terminal and the user terminal respectively, and the like.

In this way, in the embodiment of the present invention, after determining that the fingerprint information matches the application account, that is, after passing the identity authentication, the server may further determine whether the user needs to input the payment password according to the payment amount, if the payment amount is not greater than the first preset amount, the user may be directly paid for a secret-free limited number of times, if the payment amount is greater than the first preset amount, the user is prompted to input the payment password, and only after the payment password is determined to be correct, the payment is performed, even if the fingerprint information of the user is leaked, if other people do not know the payment password, the payment transaction cannot be completed, and the security of the payment may be further improved.

Further, in order to improve the payment security, a possible implementation manner is provided in the embodiment of the present invention, after determining that the fingerprint information matches the application account, the server directly sends an identity authentication passing message to the payment terminal, so that the payment terminal prompts the user to input the payment password when receiving the identity authentication passing message. In other words, in the embodiment of the invention, the user is required to input the payment password without judging the payment amount, and the payment password is verified after the fingerprint information is successfully matched, so that the payment safety of the user is improved.

Based on the above embodiment, referring to fig. 5, a payment schematic diagram provided in the embodiment of the present invention is shown.

1) In practice, a user usually uses a mobile phone to perform WeChat payment or Payment payment, and in the embodiment of the invention, taking a user terminal as the mobile phone as an example, the user needs to install application software and register an account number, bind a bank card and bind fingerprint information in advance through the mobile phone,

and then the user terminal sends the application account number and the fingerprint information of the user to the server for storage.

The bank card can be used for mobile payment, namely a first payment account is bound, and transfer payment is carried out on the first payment account of the application account in the embodiment of the invention, so the bank card can also be called as a payment account; the fingerprint information is used for identity authentication and is matched with the corresponding application account.

The mobile phone and the server of the cloud end, and the payment terminal and the server of the cloud end can be communicated through a wireless network.

For example, after downloading and installing a wechat APP in a mobile phone, a user registers a wechat account and binds a bank card and fingerprint information in the wechat account, and the user can complete binding by self through the mobile phone, so that the method is simple and convenient to implement and is convenient for user operation.

2) When the payment is carried out, the user terminal does not need to participate, the payment terminal of the merchant receives fingerprint information input by the user, the server prompts the user to input a payment password after matching the corresponding application account, the server verifies whether the payment password is correct or not, and the payment is carried out if the payment password is verified.

The payment terminal may also correspond to a second payment account in advance, and is used for collecting money, which is also called a collection account.

For example, when a user pays for a purchase of a merchant, the user selects WeChat payment, the user inputs fingerprint information bound in the WeChat account of the user in advance in the payment terminal, matching is successful, namely after the identity authentication passes, the user is prompted to input a payment password, and after the user inputs the payment password, if the payment password passes verification, the process of deducting payment from the WeChat account is further completed.

Therefore, when in payment, the user does not need to participate in a mobile phone or a bank card, the convenience of mobile payment is improved, the user experience is improved, the purpose of easily completing payment is achieved by authenticating the identity through fingerprint information, the payment time is saved, and the payment efficiency is improved.

Based on the foregoing embodiment, referring to fig. 6, in an embodiment of the present invention, a data transfer device at a payment terminal side, where the data transfer device is implemented by hardware or a combination of hardware and software to become all or a part of the payment terminal, specifically includes:

a first receiving module 60, configured to receive fingerprint information input by a user when determining to perform a data transfer operation;

the first sending module 61 is configured to send the fingerprint information and the data transfer information to a server, so that if the server determines that the fingerprint information matches an application account, the server transfers a data transfer amount to the payment terminal through the matched application account; the data transfer information at least comprises the data transfer amount, bound fingerprint information and an application account are stored in the server, and the bound fingerprint information and the application account are sent to the server after being bound when a user terminal receives fingerprint information input by a user aiming at the application account.

Optionally, the data transfer includes, but is not limited to, payment; the data transfer amount is a payment amount; further comprising:

a prompting module 62, configured to prompt the user to input a payment password if an identity authentication pass message sent by the server is received; the identity authentication passing message is sent by the server after the fingerprint information is determined to be matched with the application account;

a second receiving module 63, configured to receive a payment password input by a user;

a second sending module 64, configured to send the payment password to the server, so that the server determines whether the payment password is the same as the payment password bound to the application account, and if the payment password is determined to be the same as the payment password bound to the application account, executes a step of paying the payment amount to the payment terminal through the matched application account.

Based on the foregoing embodiments, referring to fig. 7, in an embodiment of the present invention, another data transfer device on a server side is further provided, where the device is implemented by hardware or a combination of hardware and software as all or a part of a server, and specifically includes:

a receiving module 70, configured to receive fingerprint information and data transfer information sent by a payment terminal; the data transfer information at least comprises data transfer amount, and the fingerprint information is input by a user when the payment terminal determines to perform data transfer operation;

the payment module 71 is configured to transfer the data transfer amount to the payment terminal through the matched application account if it is determined that the fingerprint information matches the application account; the server stores bound fingerprint information and an application account, and the bound fingerprint information and the application account are sent to the server after the application account and the fingerprint information are bound when a user terminal receives the fingerprint information input by a user aiming at the application account.

Optionally, the data transfer includes, but is not limited to, payment; the data transfer amount is a payment amount; before paying the payment amount to the payment terminal through the matched application account, the method further includes, by the processing module 72, a step of:

Optionally, further comprising:

the first sending module 73 is configured to, after it is determined that the fingerprint information matches the application account, directly send an identity authentication passing message to the payment terminal, so that the payment terminal prompts the user to input a payment password when receiving the identity authentication passing message.

Optionally, further comprising:

and a password verification module 74, configured to receive a payment password sent by the payment terminal, determine whether the payment password is the same as the payment password bound to the application account, and if the payment password is determined to be the same as the payment password bound to the application account, execute a step of paying the payment amount to the payment terminal through the matched application account.

Optionally, the payment amount is paid to the payment terminal through the matched application account, and the payment module 71 is specifically configured to:

transferring the payment amount into the second payment account through the first payment account; or transferring the payment amount to a preset third party payment account through the first payment account, and transferring the payment amount from the third party payment account to the second payment account when the payment amount meets the preset condition.

Optionally, the method further includes a sending module 75, configured to:

Optionally, further comprising:

and a payment limiting module 76, configured to limit, according to a preset payment limiting condition, payment of the application account for next payment of the application account if it is determined that the payment completion message in the user terminal is not read.

Based on the above embodiments, referring to fig. 8, a schematic structural diagram of a server in an embodiment of the present invention is shown.

Embodiments of the present invention provide a server, which may include a processor 810 (CPU), a memory 820, an input device 830, an output device 840, and the like, wherein the input device 830 may include a keyboard, a mouse, a touch screen, and the like, and the output device 840 may include a display device, such as a Liquid Crystal Display (LCD), a Cathode Ray Tube (CRT), and the like.

Memory 820 may include Read Only Memory (ROM) and Random Access Memory (RAM), and provides processor 810 with program instructions and data stored in memory 820. In the embodiment of the present invention, the memory 820 may be used to store a program of a data transfer method in the embodiment of the present invention.

The processor 810 is configured to execute the steps of any of the data transfer methods of the embodiments of the present invention according to the obtained program instructions by calling the program instructions stored in the memory 820.

For convenience of illustration, the portable multifunction device 900 including a touch screen is used as an example of the embodiments of the present invention, and those skilled in the art will appreciate that the embodiments of the present invention are also applicable to other devices, such as handheld devices, vehicle-mounted devices, wearable devices, computing devices, and various forms of User Equipment (UE), Mobile Stations (MS), terminals (Terminal), Terminal Equipment (Terminal Equipment), and the like.

Fig. 9 illustrates a block diagram of a portable multifunction device 900 including a touch screen according to some embodiments, the device 900 may include an input unit 930, a display unit 940, a gravitational acceleration sensor 951, a proximity light sensor 952, an ambient light sensor 953, a memory 920, a processor 990, a radio frequency unit 910, an audio circuit 960, a speaker 961, a microphone 962, a WiFi (wireless fidelity) module 970, a bluetooth module 980, a power supply 993, an external interface 997, and the like.

Those skilled in the art will appreciate that fig. 9 is merely an example of a portable multifunction device and is not intended to be limiting and that more or fewer components than those shown, or some components in combination, or different components may be included.

The input unit 930 may be used to receive input numeric or character information and generate key signal inputs related to user settings and function control of the portable multifunction device. Specifically, the input unit 930 may include a touch screen 931 and other input devices 932. The touch screen 931 may collect a touch operation performed by a user on or near the touch screen (e.g., a user's operation on or near the touch screen using a finger, a joint, a stylus, or any other suitable object), and drive the corresponding connection device according to a preset program. The touch screen can detect a touch action of a user on the touch screen, convert the touch action into a touch signal and send the touch signal to the processor 990, and can receive and execute a command sent by the processor 990; the touch signal includes at least contact point coordinate information. The touch screen 931 may provide an input interface and an output interface between the device 900 and a user. In addition, the touch screen may be implemented using various types, such as resistive, capacitive, infrared, and surface acoustic wave. The input unit 930 may include other input devices in addition to the touch screen 931. In particular, other input devices 932 may include, but are not limited to, one or more of a physical keyboard, function keys (such as volume control keys 932, switch keys 933, etc.), a trackball, a mouse, a joystick, and the like.

The display unit 940 may be used to display information input by a user or information provided to the user and various menus of the apparatus 900. Further, the touch screen 931 may overlay the display panel 941, and when the touch screen 931 detects a touch operation on or near the touch screen 931, the touch screen is transmitted to the processor 990 to determine the type of touch event, and then the processor 990 provides a corresponding visual output on the display panel 941 according to the type of touch event. In this embodiment, the touch screen and the display unit may be integrated into one component to implement the input, output, and display functions of the device 900; for convenience of description, the embodiment of the present invention represents a functional set of a touch screen and a display unit by the touch screen; in some embodiments, the touch screen and the display unit may also be provided as two separate components.

The acceleration sensor 951 can detect the acceleration in each direction (generally, three axes), and meanwhile, the acceleration sensor 951 can also be used for detecting the gravity and the direction when the terminal is stationary, and can be used for applications of recognizing the gesture of a mobile phone (such as horizontal and vertical screen switching, related games, magnetometer gesture calibration), vibration recognition related functions (such as pedometer and tapping) and the like.

Device 900 may also include one or more proximity light sensors 952 for turning off and disabling the touch screen when the device 900 is closer to the user (e.g., near the ear when the user is making a phone call) to avoid user malfunction of the touch screen; the device 900 may also include one or more ambient light sensors 953 for keeping the touch screen off when the device 900 is in a user's pocket or other dark area to prevent unnecessary battery power consumption or malfunction of the device 900 when in a locked state, and in some embodiments, the proximity light sensor and the ambient light sensor may be integrated in one piece or may be provided as two separate pieces. As for the apparatus 900, other sensors such as a gyroscope, a barometer, a hygrometer, a thermometer, and an infrared sensor may be further configured, and will not be described herein. Although fig. 9 shows a proximity light sensor and an ambient light sensor, it is understood that they do not belong to the essential constitution of the apparatus 900 and may be omitted entirely as needed within the scope not changing the essence of the invention.

The memory 920 can be used for storing instructions and data, the memory 920 can mainly include an instruction storage area and a data storage area, and the data storage area can store the association relationship between the joint touch gesture and the application program function; the storage instruction area can store an operating system, instructions required by at least one function and the like; the instructions may cause processor 990 to perform a data transfer method in an embodiment of the present invention.

Processor 990 is the control center for device 900, and connects various parts of the entire handset using various interfaces and lines, and performs various functions of device 900 and processes data by operating or executing instructions stored in memory 920 and calling data stored in memory 920, thereby performing overall monitoring of the handset. Optionally, processor 990 may include one or more processing units; preferably, the processor 990 may integrate an application processor, which mainly handles operating systems, user interfaces, application programs, and the like, and a modem processor, which mainly handles wireless communication. It is to be appreciated that the modem processor described above may not be integrated into processor 990. In some embodiments, the processor, memory, and/or the like may be implemented on a single chip, or in some embodiments, they may be implemented separately on separate chips. In this embodiment, the processor 990 is also configured to call an instruction in the memory to implement the data transfer method in this embodiment.

The rf unit 910 may be configured to receive and transmit information or signals during a call, and particularly, receive downlink information of a base station and then process the received downlink information to the processor 990; in addition, the data for designing uplink is transmitted to the base station. Typically, the RF circuitry includes, but is not limited to, an antenna, at least one amplifier, a transceiver, a coupler, a Low Noise Amplifier (LNA), a duplexer, and the like. In addition, the radio frequency unit 910 may also communicate with network devices and other devices through wireless communication. The wireless communication may use any communication standard or protocol, including but not limited to Global System for Mobile communications (GSM), General Packet Radio Service (GPRS), Code Division Multiple Access (CDMA), Wideband Code Division Multiple Access (WCDMA), Long Term Evolution (LTE), email, Short Messaging Service (SMS), etc.

Audio circuitry 960, speaker 961, microphone 962 may provide an audio interface between a user and device 900. The audio circuit 960 may transmit the electrical signal converted from the received audio data to the speaker 961, and convert the electrical signal into a sound signal for output by the speaker 961; on the other hand, the microphone 962 converts the collected sound signal into an electrical signal, which is received by the audio circuit 960 and converted into audio data, and the audio data is processed by the audio data output processor 990 and then sent to another terminal via the rf unit 910, or the audio data is output to the memory 920 for further processing, and the audio circuit may also include a headphone jack 963 for providing a connection interface between the audio circuit and a headphone.

WiFi belongs to short-range wireless transmission technology, and the device 900 can help the user send and receive e-mail, browse web pages, access streaming media, etc. through the WiFi module 970, which provides the user with wireless broadband internet access. Although fig. 9 shows WiFi module 970, it is understood that it does not belong to the essential constitution of device 900, and may be omitted entirely as needed within the scope not changing the essence of the invention.

Bluetooth is a short-range wireless communication technology. By using the bluetooth technology, the communication between mobile communication terminal devices such as a palm computer, a notebook computer, a mobile phone and the like can be effectively simplified, and the communication between the devices and the Internet (Internet) can also be successfully simplified, so that the device 900 enables the data transmission between the device 900 and the Internet to be more rapid and efficient through the bluetooth module 980, and the way is widened for wireless communication. Bluetooth technology is an open solution that enables wireless transmission of voice and data. Fig. 9, however, shows a WiFi module 970, but it will be understood that it does not belong to the essential constituents of the device 900 and can be omitted entirely as required within the scope not changing the essence of the invention.

The device 900 also includes a power supply 993 (e.g., a battery) for powering the various components, which may preferably be logically coupled to the processor 990 via a power management system 994 such that the power management system 994 may perform functions of managing charging, discharging, and power consumption.

The device 900 also includes an external interface 997, which may be a standard Micro USB interface, or may be a multi-pin connector that may be used to connect the device 900 for communication with other devices, or may be used to connect a charger for charging the device 900.

Although not shown, the device 900 may also include a camera, a flash, etc., which are not described in detail herein.

Based on the above embodiments, in the embodiments of the present invention, there is provided a computer-readable storage medium on which a computer program is stored, the computer program, when executed by a processor, implementing the data transfer method in any of the above method embodiments.

As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.

The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

While preferred embodiments of the present invention have been described, additional variations and modifications in those embodiments may occur to those skilled in the art once they learn of the basic inventive concepts. Therefore, it is intended that the appended claims be interpreted as including preferred embodiments and all such alterations and modifications as fall within the scope of the invention.

It will be apparent to those skilled in the art that various modifications and variations can be made in the embodiments of the present invention without departing from the spirit or scope of the embodiments of the invention. Thus, if such modifications and variations of the embodiments of the present invention fall within the scope of the claims of the present invention and their equivalents, the present invention is also intended to encompass such modifications and variations.

Claims

1. A data transfer system, comprising: a user terminal, a payment terminal, a server, wherein,

the server is used for receiving the fingerprint information and the data transfer information sent by the payment terminal, and transferring the data transfer amount to the payment terminal through the matched application account if the fingerprint information is matched with the application account, wherein the data transfer includes but is not limited to payment; the server is further configured to: after the fingerprint information is matched with the application account number, sending an identity authentication passing message to the payment terminal, so that the payment terminal prompts a user to input a payment password when receiving the identity authentication passing message; the server is further configured to: and if the payment completion message in the user terminal is determined not to be read, limiting the payment of the application account according to a preset payment limiting condition aiming at the next payment of the application account, wherein the payment completion message is sent when the server determines that the payment is completed.

2. The system of claim 1, wherein if the data transfer is a payment, the data transfer amount is a payment amount;

before transferring the data transfer amount to the payment terminal through the matched application account, the server is further configured to:

3. The system of claim 1 or 2, wherein the payment terminal is further to:

the server is further configured to: and receiving a payment password sent by the payment terminal, judging whether the payment password is the same as the payment password bound by the application account, and if the payment password is the same as the payment password bound by the application account, executing the step of transferring the data transfer amount to the payment terminal through the matched application account.

4. The system of claim 3, wherein the payment amount is paid to the payment terminal by the matched application account number, and wherein the server is specifically configured to:

5. The system of claim 3, wherein the server is further to:

6. A method of data transfer, comprising:

sending the fingerprint information and the data transfer information to a server, so that if the server determines that the fingerprint information is matched with an application account, the server transfers data transfer amount to the payment terminal through the matched application account, and further, if it determines that a payment completion message in a user terminal is not read, the server limits the payment of the application account according to a preset payment limiting condition aiming at the next payment of the application account, wherein the payment completion message is sent when the server determines that the payment is completed;

further, the data transfer includes but is not limited to payment, and after the fingerprint information is determined to be matched with the application account before transferring the data transfer amount to the payment terminal through the matched application account, an identity authentication passing message is sent to the payment terminal, so that the payment terminal prompts a user to input a payment password when receiving the identity authentication passing message; the data transfer information at least comprises the data transfer amount, bound fingerprint information and an application account are stored in the server, and the bound fingerprint information and the application account are sent to the server after being bound when a user terminal receives fingerprint information input by a user aiming at the application account.

7. A method of data transfer, comprising:

if the fingerprint information is matched with the application account, transferring the data transfer amount to the payment terminal through the matched application account; the method comprises the steps that bound fingerprint information and an application account are stored in a server, the bound fingerprint information and the application account are sent to the server after being bound when a user terminal receives fingerprint information input by a user aiming at the application account, and the data transfer comprises but is not limited to payment; further comprising: after the fingerprint information is matched with the application account number, sending an identity authentication passing message to the payment terminal, so that the payment terminal prompts a user to input a payment password when receiving the identity authentication passing message;

and if the payment completion message in the user terminal is determined not to be read, limiting the payment of the application account according to a preset payment limiting condition aiming at the next payment of the application account, wherein the payment completion message is sent when the server determines that the payment is completed.

8. The method of claim 7, wherein if the data transfer is a payment, the data transfer amount is a payment amount;

before transferring the data transfer amount to the payment terminal through the matched application account, the method further includes:

9. The method of claim 7 or 8, further comprising:

10. A data transfer apparatus, comprising:

a first sending module, configured to send the fingerprint information and the data transfer information to a server, so that if it is determined that the fingerprint information matches an application account, the server transfers a data transfer amount to a payment terminal through the matched application account, and further, if it is determined that a payment completion message in a user terminal is not read, the server limits payment of the application account according to a preset payment limiting condition for next payment of the application account, where the payment completion message is sent when the server determines that the payment is completed; further, the data transfer includes but is not limited to payment, and after the fingerprint information is determined to be matched with the application account before transferring the data transfer amount to the payment terminal through the matched application account, an identity authentication passing message is sent to the payment terminal, so that the payment terminal prompts a user to input a payment password when receiving the identity authentication passing message; the data transfer information at least comprises the data transfer amount, bound fingerprint information and an application account are stored in the server, and the bound fingerprint information and the application account are sent to the server after being bound when a user terminal receives fingerprint information input by a user aiming at the application account.

11. A data transfer apparatus, comprising:

the payment module is used for transferring the data transfer amount to the payment terminal through the matched application account if the fingerprint information is matched with the application account; the server stores bound fingerprint information and an application account, and the bound fingerprint information and the application account are sent to the server after being bound when a user terminal receives fingerprint information input by a user aiming at the application account;

the first sending module is used for sending an identity authentication passing message to the payment terminal after the fingerprint information is matched with the application account number, so that the payment terminal prompts a user to input a payment password when receiving the identity authentication passing message;

further comprising: and the payment limiting module is used for limiting the payment of the application account according to a preset payment limiting condition aiming at the next payment of the application account if the payment completion message in the user terminal is determined not to be read, wherein the payment completion message is sent when the server determines that the payment is completed.

12. The apparatus of claim 11, in which the data transfer includes, but is not limited to, payment;

further comprising a sending module configured to:

if the fingerprint information is determined not to be matched with an application account, or the payment password bound with the application account is determined to be different, a payment failure message is respectively sent to the payment terminal and the user terminal; or if the payment is determined to be completed, sending payment completion messages to the payment terminal and the user terminal respectively.

13. A computer storage medium having computer-executable instructions stored thereon for causing a computer to perform the method of any one of claims 1-9.